"it will need increased taxation of some kind" Rubbish. Suitable cuts in other government expenditure would do the job and…
When taxation is retroactive it will change behaviour. Be careful with envy focused legislation promote real solutions to British poor…
Extending time horizons can ease short-term funding pressure, but it shifts risk toward younger members. Reform should make those intergenerational…
I've just come across this letter from Smithers, covering DB pensions in general and the USS in particular. https://smithers.co.uk/extending-the-liabilities-time-horizon-is-key-to-pensions-reform/
Category Archives: investment
SHOW ME THE MONEY! What’s going to happen our auto-enrolment savings?
People want to know what happens to the money they invest and we are terrible about explaining where their money ends up. This blog talks about how we can make pension investment as vivid and real as the picture above. Over … Continue reading
Posted in infrastucture, investment, NEST
Tagged Business, dc pensions, Employment, Financial services, Infrastructure, infrastucture, Investment, pensions, Salford
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Understanding the Great Fall of China (in the pub).
While y’all went on holiday, market analysts threw a tantrum , Emerging stock Markets tanked and the Developed Markets went red and green faster than a traffic light. I love writing this stuff, it makes me feel grown up – like I had some job … Continue reading
GARs – a simpler way out for insurers…
This blog offers insurers a simple way out of the problem they have with Guaranteed Annuity Rates- it means paying the reserved for value of the policy rather than the (lower) investment value of the contributions. By way of explanation.. … Continue reading
Posted in annuity, EU Solvency II, investment, London, Pension Freedoms, pension playpen, pensions, Pensions Regulator
Tagged advice, Annuity Rates, defined benefit, Equitable Life Assurance Society, Equity, Guaranteed Annuity Rates, Ros Altmann, Royal London, The Equitable, Transfer values
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Knowing the “money” in “value for money”.
At last we may get to know what we really pay for the management of our funds so we can work out it it’s worth it. Continue reading
Posted in accountants, actuaries, annuity, investment, pensions, Pensions Regulator, risk
Tagged ABI, Business, call for evidence, calue, charges, costs, Defined benefit pension plan, DWP, Employment, FCA, Financial services, fund management, Government, IA, Insurance, Transaction costs, transfers, Value for Money
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As clear as a frosted window – the IA on charges (again)
The Investment Association (IA) have published another paper as their contribution to the ongoing debate on what the public and their fiduciaries should know about their funds. The paper fails on a number of levels 1. It ignores the fact that … Continue reading
Posted in accountants, advice gap, Fiduciary Management, Financial Conduct Authority, investment, ISA, pension playpen, pensions
Tagged The Investment Management Association, charges, costs, DGF, IMA, Investment Management Association, Transaction costs, transactional costs, Transactions, Value for Money
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What payroll can do to keep away the loan sharks.
We all know the sharks that swim in financial waters preying on the weakest and driving them and their families into deeper debt with all the social and health problems that “deep debt” brings. And I’m sure that if it … Continue reading
Posted in Debt, investment, ISA, Management, Martin Lewis, Payroll, pension playpen
Tagged Business, Ceridian, CIPP, dc pensions, debt, Employment, Financial services, Loan-shark, Martin Lewis, MSE, National Employment Savings Trust, Payroll, pension, Retirement, Saving, Savings, Steve Webb
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These you have loved (the pension brands that fell by the wayside)
Here is a list of the insurers participating in the ABI’s DC legacy review and the brands under which they provide (or originally provided) DC workplace pensions. Abbey Life Abbey Life Assurance Hill Samuel Life Assurance Target … Continue reading
Pension PlayPen response to the DWP Command Paper on Workplace Pensions
Pension PlayPen Ltd trades as http://www.pensionplaypen.com and is the leading portal through which employers access information to stage auto-enrolment. The site allows employers to assess their workforce, determine a contribution structure, apply to workplace pension providers for terms … Continue reading
Posted in auto-enrolment, dc pensions, DWP, FCA, governance, investment, pensions
Tagged Business, Consultation, DWP, Employment, Investment management, Measures, pensions, Retirement, Savers, social media, Steve Webb, Workplae Pensions
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TPAS – the light shines on!
TPAS – bridging the pensions advisory gap! The light shines on… Continue reading
Posted in auto-enrolment, brand, corporate governance, Henry Tapper blog, investment, pension playpen, pensions
Tagged Business, Business and Economy, corporate risk, DWP, Financial services, Michelle Cracknell, pension playpen, Pension Poverty, Pension Regulator, pensions, Steve Webb, TPAS
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I want my, I want my, I want my IGC…
We need our IGCs and we need them soon! Continue reading
Posted in annuity, governance, investment, pension playpen, pensions, redington, Retirement
Tagged annuity, Business, corporate governance, Financial services, governance, Government
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I agree. And Richard Murphy made much the same points and more after reading Martin Wolf’s FT piece yesterday, in…